Loan repayment intention, in turn, is predicted by the extent to which a student evaluates loan repayment positively or negatively (students’
attitude towards loan repayment), and the perception of social pressure (subjective
norm), such as media, peers, family and parents to repay the loan; that is, students will
be more inclined to make a repayment if they have a positive rather than a negative
evaluation of loan repayment. Furthermore, they will be more inclined to make
repayments if they experience positive social pressure to do so; therefore, we
hypothesise the following: